Software Engineer II

About EarnIn

As one of the first pioneers of earned wage access, our passion at EarnIn is building products that deliver real-time financial flexibility for those with the unique needs of living paycheck to paycheck. Our community members access their earnings as they earn them, with options to spend, save, and grow their money without mandatory fees, interest rates, or credit checks.

We’re fortunate to have an incredibly experienced leadership team, combined with world-class funding partners like A16Z, Matrix Partners, DST, Ribbit Capital, and a very healthy core business with a tremendous runway. We’re growing fast and are excited to continue bringing world-class talent onboard to help shape the next chapter of our growth journey.

POSITION SUMMARY We are looking for experienced, passionate, and resourceful mid-level engineers to join our backend teams. As a backend engineer, you will work cross-functionally with various teams and contribute to the design and development of our backend services.

This position will be a hybrid role based in our Bengaluru office, with 2 days on-site as part of our expanding site. EarnIn provides excellent benefits for our employees, including healthcare, internet/cell phone reimbursement, a learning and development stipend, and potential opportunities to travel to our Mountain View HQ. Our salary ranges are determined by role, level, and location. We are unable to provide visa sponsorship or immigration support for this position.

WHAT YOU’LL DO

• Design & implement features robust enough for our large scale.
• Drive the implementation of new features—break complex problems down to their bare essentials, translate that complexity into elegant design, and create high-quality, maintainable code.
• Create and maintain test automation to enable continuous integration and development velocity.
• Design & deliver thoughtfully crafted REST APIs to drive the interactions between our client applications and backend services.
• Leverage a broad skill set and help us implement and learn new technologies quickly.
• Provide and receive design and implementation evaluations and improve with each iteration.
• Debug production issues across our services infrastructure and multiple levels of our stack.
• Think about distributed systems & services and care passionately about producing high-quality code.

WHAT WE’RE LOOKING FOR

• 3+ years of development experience in Software Engineering
• Bachelor’s, Master’s, or PhD degree in computer science, computer engineering, or a related technical discipline, or equivalent industry experience.
• Proficient in at least one modern programming language such as C#, Kotlin, Java, Python, Go, and Scala.
• Hands-on experience working with various databases (DynamoDB, MySQL, ElasticSearch) and data pipeline technologies.
• Experience with continuous integration and delivery tools.
• Experienced in developing and executing functional and integration tests.
• Excellent written and verbal communication skills.
• Experience using AI-assisted development tools (e.g., Copilot, Cursor, LLMs) to improve engineering productivity.
• Ability to thrive in a fast-paced, dynamic environment and have a bias towards action and results.
• Experience with Kubernetes, microservices, and event-driven architecture is a strong plus.
• Experience in payments/fintech is a plus.

A Note on AI in the Hiring Process: EarnIn may use Artificial Intelligence (AI)-powered tools during the hiring process, including tools that generate summaries or notes for interviewers, review resumes, assist with scheduling, or help identify themes across candidate responses and profiles for a given role. Final hiring decisions are made by human interviewers and hiring managers. If you have any concerns about the use of AI in our hiring process, please connect with your recruiter. With your consent, EarnIn may use AI tools to help transcribe or summarize interviews. Recordings are treated as confidential candidate data and are accessible only to authorized hiring personnel. Declining to be recorded will not negatively affect your candidacy or evaluation.

At EarnIn, we believe that the best way to build a financial system that works for everyday people is by hiring a team that represents our diverse community. Our team is diverse not only in background and experience but also in perspective. We celebrate our diversity and strive to create a culture of belonging. EarnIn does not unlawfully…